An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.
If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
• We will charge you a fee up to $33.00 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (866) 592-7628 or complete the form below and present it at a branch or mail it to: Operations Department, PO Box 327;
Chicopee, MA 01021.
I want Polish National Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.
Printed Name: ____________________________________________________
Account Number(s): _________________________________________________
If you have questions concerning the Overdraft Privilege Service please contact a Member Service Representative at (866) 592-7628.